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Medical-ServicesIn addition to investing for retirement, Baby Boomers and others need to make sure those assets are accessible if they should become incapacitated.

lustigHaroldHarold Lustig, a Marin county estate and elder planning attorney and author of Naked in the Nursing Home, subtitled his book, "The Women's Guide to Paying For Long Term Care Without Going Broke." Women aren't the only ones who can benefit from the advice he offers, Lustig explains, but demographically, they are the majority to whom it will apply.